Previously I was using Philips Xtreme Vision and they lasted for 2 year. One bulb low beam was not working.
My traveling was mostly in night so I can say all the time lights were ON.
Now I have replaced with Philips Xtreme Vision 130 .
No it does not cause any problem for oncoming drivers if lights are adjusted properly.
These bulbs are road safe and you just need to adjust them so it give you maximum visibility and also safe for others.